Union Community Bank
Mount Joy, PA — State Savings Bank
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Net Income Analysis
( % relative to Total Revenue )
Income Statement | Union Community Bank | All Insured Savings Banks in Pennsylvania |
Interest and Fees on Loans | 16,525 | 18,323 |
Income from Lease Financing Receivables | — | 10 |
111 | 51 | |
Estimated Tax Benefit from Tax-Exempt Loan Income | 57 | 25 |
Income on Loans and Leases (TE) | 16,582 | 18,606 |
Investment Interest Income (TE) | 2,301 | 2,720 |
Total Interest Income (TE) | 19,077 | 21,762 |
Total Interest Expense | 1,517 | 3,616 |
Net Interest Income (TE) | 17,560 | 18,090 |
Non-Interest Income | 3,641 | 4,504 |
Adjusted Operating Income (TE) | 21,201 | 25,733 |
Non-interest Expense | 16,989 | 18,977 |
Provision for Loan & Lease Losses | 521 | 368 |
Pretax Operating Income (TE) | 3,691 | 6,471 |
Pretax Net Operating Income (TE) | 3,699 | 6,554 |
Applicable Income Taxes | 805 | 1,732 |
Net Operating Income | 2,576 | 4,600 |
Net Income | 2,576 | 4,600 |
Cash Dividends Declared | 3,500 | 2,617 |
Retained Earnings | -924 | 1,922 |